What is peer-to-peer lending?

Peer-to-peer lending (or investing) is the practice of lending money to unrelated individuals or businesses, “peers”, without going through traditional financial intermediaries like banks. Peer-to-peer lending started in the UK in 2005 and allows investors to lend against various asset classes, ranging from consumer credit to small business and property lending. Before investing on a peer-to-peer platform, it is important to consider various factors, please see our blog for more information.

Landbay is a peer-to-peer platform: the online exchange that manages the lending process. Investors lend funds which are diversified across multiple buy-to-let property loans in return for an interest payment each month. Meanwhile, credit-worthy borrowers benefit from an efficient lending process to help grow their rental property portfolio.